SOURCE: Microsoft JET Database Engine error '80040e09'
When putting files up on your hosted site (or on your own server), make sure the file and the directory have the proper writes to Read/Write/Create. A special file called the .LDB file must be created and if it can't a ReadOnly status could be issued. It's a file that contains the names of the users currently accessing the MDB file. It stands for Lock Database.
If you are running on Windows add these attributes, if it's linux (not sure why you'd use MDB on a LINUX box, but it would be chmod +777.
SOURCE: How can you convert an ACH file to an Excel file
There is software out there that will convert an ach to cvs for you. I included a link below, you can try the trial download to see if it gives you the results you're looking for.
http://www.treasurysoftware.com/ACH-File-Convert.html
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